EBA · 2022_6563 Rejected question

When to apply CCF to residential mortgage off balance sheet exposure

Name: When to apply CCF to residential mortgage off balance sheet exposure: EBA Q&A — EU Financial Regulatory Q&A
Creator: European Banking Authority
License: https://creativecommons.org/licenses/by/4.0/

Regulation: Regulation (EU) No 575/2013 (CRR)
Article: 125, para. 2
Topic: Credit risk
Submitted by: Individual
Submitted: 2022-08-17

Browse ECB SSM Register → More Q&As on this regulation →

Question

For off balance sheet exposures, when Article 125(2)(d) references 'the part of the loan' that is less than or greater than 80% of the property value, does this refer to exposure, or gross loan balances. Therefore, should the required CCF be applied before or after comparing the balance commitment to the property value?

Background

N/A

No answer published yet.

Original source: European Banking Authority, Q&A ID 2022_6563

This Q&A is published by European Banking Authority and is non-binding. It does not constitute legal advice. Updated weekly from official ESA sources.

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